• Report: #273488
Complaint Review:


  • Submitted: Sun, September 09, 2007
  • Updated: Sun, September 09, 2007

  • Reported By:Payson Arizona
P.O. Box 808 Mesa, Arizona U.S.A.

REB, LTD Threatening letter regarding lapse in car insurance that never was lapse Mesa Arizona

*Consumer Suggestion: What you can do.

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My husband and I received a notice that we must pay someone because we were driving a vehicle in AZ without insurance.

We contacted our auto insurance company and had them send certification that we were and have been covered by insurance the whole time my husband and I were here in AZ.

We never heard back from anyone until the other day we received a threatening letter from this Lisa Begay, Collection Manager of REB, LTD.

My husband is an RN that traveled to AZ to help out with nursing shortage. We have always had auto insurance even though it is from the state of Idaho (where we maintain a residence there).

This appears to me as unjustified and yet we have no way to fight this unfair charge.

I intend to take this unfounded charge to anyone who will listen and help us.

Thank you

Payson, Arizona

This report was posted on Ripoff Report on 09/09/2007 02:48 PM and is a permanent record located here: http://www.ripoffreport.com/reports/reb-ltd/mesa-arizona-85211/reb-ltd-threatening-letter-regarding-lapse-in-car-insurance-that-never-was-lapse-mesa-ari-273488. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Suggestion

What you can do.

AUTHOR: Robert - (U.S.A.)

Driving without insurance is a matter for the police so I can't imagine what or how they got involved unless there's a matter of some coworker doing a bit of identity theft while he was in Arizona and initiated an insurance policy. I'm going to assume that your husband did NOT receive any tickets for driving without insurance.

Here's what you can do to find out what's going on.

FIRST - Read the Fair Debt Collection Practices Act at ftc.gov/os/statutes/fdcpa/fdcpact.htm.

SECOND - send a certified letter, return receipt requested, to the DEBT COLLECTOR to dispute the debt and request written validation of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such validation or judgment, or name and address of the original creditor. Also, include a statement stating that you do not wish to be contacted again until you receive all the written debt validation information you have requested. In your case you want to clearly state that this is NOT YOUR DEBT and you should specifically ask for the following documentation:

What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide me with copies of any papers that show I agreed to pay what you say I owe;
Provide a verification or copy of any judgment if applicable;
Identify the original creditor;
Prove the Statute of Limitations has not expired on this account;
Show me that you are licensed to collect in my state;
Provide me with your license numbers and Registered Agent.

THIRD - Once you received the written validation information requested, contact the CREDITOR (who owns the debt) via certified mail to resolve the matter.

It is important that communication between you and this debt collector (or whatever they are) be in WRITING! So, I wouldn't not talk to them, EXCEPT to obtain an address for sending a certified, return receipt requested letter to dispute and demand validation of this alleged debt.
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